Medicare Supplement Plans in New Jersey

On this page we help consumers: Compare New Jersey Medicare supplemental insurance. See premiums, fees, and reviews on all NJ Medigap plans, including Plan F, G, and N.

Top 10 Medicare Supplement Plans in New Jersey

Looking for the best Plan F, G or N available to New Jersey seniors?

1. 10 Best Medicare Supplement Plan F
2. 10 Best Medicare Supplement Plan G
3. 10 Best Medicare Supplement Plan N

Looking for a different plan? Compare all Medicare supplement plans here.

New Jersey Medicare Supplement Plan F Comparison Chart

Medicare Supplement Plan F is the most popular Medigap plan available in New Jersey. Here are the 10 best Plan F policies available in New Jersey based on our reviews (click for details):

New Jersey Medicare Supplement Plan G Comparison Chart

Medicare Supplement Plan G is rapidly gaining popularity among New Jersey seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in New Jersey based on our reviews (click for details):

Abour our New Jersey Supplemental Medicare Insurance Reviews

We evaluate all Medicare Supplement companies servicing policies in New Jersey. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.

We review Medicare Supplement Plans in New Jersey head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.

How Much do New Jersey Medigap Plans Cost?

We list sample monthly premiums for all Medigap Plans in New Jersey. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 to speak with an agent and get a quote.

Medicare Supplement Plans in New Jersey are Standardized

The New Jersey Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.

NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.

All New Jersey Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.

Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:

• Don't have to offer every Medigap plan
• Must offer Medigap Plan A if they offer any Medigap policy
• Must also offer Plan C or Plan F if they offer any plan

For more information, visit the New Jersey Department of Insurance website at http://www.dobi.nj.gov/.

New Jersey Med Supp Plan Comparison Chart

The following table shows, at-a-glance, the coverage you get with each of the standardized Medicare plans.

Medigap Benefits	A	B	C	D	F*	G	K	L	M	N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Medicare Part B Coinsurance or Copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes**
Blood (First 3 Pints)	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Part A Hospice Care Coinsurance or Copayment	Yes	Yes	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Skilled Nursing Facility Care Coinsurance	No	No	Yes	Yes	Yes	Yes	50%	75%	Yes	Yes
Medicare Part A Deductible	No	Yes	Yes	Yes	Yes	Yes	50%	75%	50%	Yes
Medicare Part B Deductible	No	No	Yes	No	Yes	No	No	No	No	No
Medicare Part B Excess Charges	No	No	No	No	Yes	Yes	No	No	No	No
Foreign Travel Emergency (Up to Plan Limits)	No	No	Yes	Yes	Yes	Yes	No	No	Yes	Yes
Out-of-Pocket Limit***	None	None	None	None	None	None	$5,240	$2,620	None	None

^* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.

^** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.

^*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

Got questions about Medicare Supplement Insurance in New Jersey?

Try one of these answers:

• What are Medicare Supplement Plans?
• Medicare Supplement Plans Comparison Chart
• Best Medicare Supplement Plans
• Best medicare Supplement Plans Reviews
• Are Medicare Supplement Plans Worth it?
• Medicare Supplement Plans for Disabled Under 65
• Can I Change Medicare Supplement Plans Anytime?
• Medicare Supplement vs Advantage Plans

Need Local Help?

The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The New Jersey SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:

• 1-800-792-8820 (in state only); 1-877-222-3737 (out of state)
• http://www.state.nj.us/humanservices/doas/services/ship/index.html

Additional Foot Notes

^[3] Sample premium is for a 65 year old, non smoking, woman living in New Jersey. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.

^[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on December 12, 2019.